Cheapest car insurance in Louisville, Kentucky

Kentucky requires minimum liability coverage of 25/50/25, plus $10,000 PIP under its default no-fault option. Rates below are monthly estimates for the 25-55 driver, Full coverage, Good credit bracket.

Pulled directly from carrier rate filings for this city.

With 633,045 residents, Louisville sits in the mid-size band where carriers file rates regularly but the field of insurers is a bit shorter than in a major metro. The spread here is wide, 62% between the cheapest and priciest insurer we track, which is exactly the kind of gap a flat citywide average would hide. On average, drivers here pay about 47% more than the national baseline we track.